you don't say how old you are, but it's probably immaterial. i think that the wetness is a product of what's going on with your body and hormones. if this is a concern to you, then ask your doctor to check your hormone levels to make sure you're ok there.
i know that my body has changed back and forth with regard to wetness. i'm 26 now. when i was around 16, i used to get very wet...by the time i was 20, not so much so, and now it seems like i'm approaching my 16 year old level again.
i also notice that at different times in my cycle, i'm wetter than at other times in my cycle. i think this is all "normal" for a girl. i say "normal" because when i was young (like 11-13) my mom used to tell me all the time that there is no "normal" for girls/women. my mom used to say that no matter what she told her doctor the doctor always responded with "that's normal".
just so you don't concern yourself with this issue too much, i masturbate too, and i use toys, etc. i have to admit that i use them a "LOT". it hasn't affected me, and i still enjoy sex with my b/f, so i wouldn't worry about it.
does it seem to you that we women are always feeling guilty about one thing or another...it's like if we don't get wet enough it has to be our fault...like we question if we masturbate too much or something. if we were getting too wet it would be because we masturbated too much (or we gave up our virginity too early or some other guilt-thing) ...that's so messed up isn't it? i mention it because i find myself thinking like this sometimes too.
i think we tend to psychoanalyze everything to the extent that nothing just "is what it is". for a while i couldn't have an "o" with my boyfriend. i was convinced that it was the fact that i masturbated too much. it was only when i started communicating with him better that i realized that communication was the problem, not masturbation.
oh well, i'll shut up.
jasmine